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Work Background
M&T BankSenior Quantitative Risk Manager
Sep. 2023Greater New York City Area
Wells FargoQuantitative Analytics Senior Manager
Dec. 2016 - Aug. 2023Greater New York City AreaResponsible for credit scoring model development for new originations and account management for automated decisioning in the inventory finance ($10 Bn portfolio) and trucking lease and loan ($3Bn portfolio) businesses. Manage 6 direct and 6 indirect team members. • Developed innovative point in time models for sort-term dealer financing that enabled the inventory finance business transition to automated underwriting
• Used model inputs and output to advise senior risk leaders on how to adjust approval thresholds throughout covid and interest rate increase periods
• Utilized modular approach to data and model development to facilitate interchangeability, champion/challenger assessment, and reduce dependency on single data sources or models • Rationalized model suite from 36 to 4 models to reduce on-going maintenance cost and need for redevelopment
• Experienced in using commercial and consumer credit bureau data along with internal behavior data to maximize model predictiveness
GE CapitalDirector - Model Development
Aug. 2009 - Dec. 2016Greater New York City AreaResponsible for credit model development covering ~$100Bn mid-market commercial portfolio supporting underwriting, pricing, portfolio management, and reserving. Manage team of 6 modelers. • Develop and maintain custom models per SR 11-7 standards and Basel framework; commercial aircraft, leveraged loans, structured products (Senior Secured Loan Fund), asset based loans, corporate aircraft, rail cars, and factoring
• Redeveloped insurance E-Cap model as a member of a cross functional team by auditing existing process, recommending actions, and collaborating with actuaries • Determine appropriate use, limitations, and implementation for agency ratings and commercially available models: Moody’s Issuer, S&P Issuer, RiskCalc, and Credit Edge
• Advise on data processes and controls to ensure to ensure robust model development and implementation
• Manage on shore and off shore team members of diverse disciplines, knowledge levels, and cultures to maximize team effectiveness; underwriting, collection/recovery, operations, data specialists, and statisticians
GE CapitalManager - Equipment Valuation Analytics
Oct. 2001 - Aug. 2009Greater New York City AreaResponsible for analysis of $8Bn portfolio of equipment lease residuals and supervision of 10 analysts supporting transaction origination, new business development, risk analytics, impairment testing, and pricing. • Negotiated captive financing program agreements, lease terms, and equipment return condition riders as the key asset management member of business development teams. Performed collateral and residual valuation for acquisition and divestiture of commercial equipment lease and loan portfolios
• Automated process control dashboards to understand residual economics in order to drive portfolio management activities along with residual policy development and maintenance
• Upgraded residual modeling rigor by introducing portfolio theory, regression, confidence intervals, documentation of assumptions, data, and research sources to improve transparency and credibility
• Created positive NPV for IT system investment by increasing automation of residual quoting by 50%, reducing cycle time, and increasing consistency
• Strong knowledge of: construction, material handling, commercial and corporate aircraft, printing, machine tools, injection molding, rail cars, ASA and USPAP appraisal standards and ASC 840 (FAS 13) and ASC 820 (FAS 157) accounting standards.
Silicon Valley Group (now part of ASML)Manager – Equipment Installation
Jan. 1996 - May. 2001Greater New York City AreaEngineering, supervisory, and account management experience at semiconductor capital equipment firm, $250 mm sales annually. Responsible for domestic and international equipment installation and management of 31 engineers and technicians. • Developed and documented processes for installation, testing, and verification of equipment per contractual specifications. Applied the processes to determine scheduling, tooling, hiring, and to accelerate training for 3 new product lines. • Ensured on time completion as customer contact and leader of teams of 2-6 local and factory based engineers and technicians during installations at customer sites in Asia, Europe, and US • Proven problem solving skills utilized while performing mechanical and optical alignments, calibrations, and tuning servos using oscilloscopes and HP signal analyzers
• Advised freight forwarders and escorted equipment on overseas shipments on behalf of customers
Pratt & WhitneyManufacturing Program Office Analyst
May. 1994 - Jan. 1995Hartford, Connecticut Area- Working knowledge of airframe and power plant designs
- Familiar with commercial and military offset programs
- Familiar with technology export license issues
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